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Insurance companies may initially come across as if they actually care about you but when you need them to pull through for you; they often come up with clever ways to avoid paying you money that you are entitled to. Even the most reliable insurance companies have been known to make up excuses to avoid forking over the money you deserve. There are many unethical tactics that insurance companies use to try and manipulate their customers. This article describes some of those tactics, so you can be aware of them and identify faulty tactics.

Dishonest Tactics Include:


Excuses, Excuses, Excuses

One of the most common tactics insurance companies use to try to avoid paying your claim is to come up with an excuse. Excuses are commonly used to delay payment. In all honesty, most of the excuses that insurance companies provide sound very realistic so make sure to never fall for their excuses. At the end of the day they are only trying to delay your payment.

They Will NotPay; No Excuses Provided

Often times, insurance carriers just deny payment, and they do not even have the courtesy to provide any useful excuses, information, or reasons for not forking over the cash you deserve. If an insurance company decides to avoid paying, hire a legal professional so that you can receive help from an attorney. An attorney will fight in your favor, and he or she will make sure that you receive every single penny your policy entitles you to receive.

They Cancel your Policy Out of the Blue

In an effort to avoid paying you the money you deserve, insurance companies may decide to cancel your policy out of the blue. This is unacceptable, and if an insurance company decided to wrongfully terminate your policy to forgo paying your claim, then you need to take legal action and seek help from an attorney. It is wrong for a company to terminate your policy just because they do not want to pay, so if it happens to you, immediately seek professional guidance. If in a situation where your budget does not allow for hiring an attorney, seek help from a law firm that provides legal counsel based on a contingency basis. Often, attorneys offer services without requiring money be paid upfront and instead, require that a percentage of the profits in the end result be paid out to them.

They Cut You a Deal

Let us say that you are entitled to a claim, and the insurance company offers a great offer, but the offer turns out to be less than the amount you deserve. This is a common tactic used by insurance companies. A lot of companies try to reach a monetary agreement that is in their favor, not yours. If a company tries to reach an unfair settlement that offers you less money than what you deserve, then you need to get guidance from an attorney. This practice is unjust, and you should never tolerate it because each month, the bills are paid to the insurance company so it is only fair that a full settlement is received. It is also fairly safe to assume that when an insurance company appears eager to make a deal with you, it is for a reason and they are probably offering you a monetary amount below what they should be paying. Be aware of this tactic and do not settle. Settling is not worth taking a hit for what is rightfully owed to you.

False Claims

When you first purchase insurance, the company says that it will cover everything or specify this and that. However, when you actually encounter a situation where you are looking to receive money, the insurance company will lie, telling you that the policy you purchased doesn’t cover your particular situation. If this happens to you, you might be entitled to more money than what was offered. As a result, to solve this issue, you can contact an attorney so they take a look at your case and determine whether you are being scammed out of what is rightfully owed to you.

Sarah Smith is the author of this article, which was written on behalf of the South Jersey Personal Injury lawyer at Drinkwater & Goldstein LLC- 277 White Horse Pike # 200 Atco, NJ 08004.